Is it permissible to purchase diamonds online if they are sold individually and accompanied by gold and silver, with the availability of a return service, knowing that payment is made using an Islamic Visa card from a personal account?

It is permissible to buy diamonds and non-riba metals online, as simultaneous possession (al-taqabud) at the time of the contract is not a condition for them. As for gold and silver, actual or constructive simultaneous possession at the time of the contract is required for them. This is difficult to achieve when purchasing online due to the delay in the arrival of the price and the absence of the sold item, unless the price is immediately debited to the seller's account and the buyer has an agent who receives the gold at the time of the contract. However, if an item contains a negligible amount of gold that is not the primary intent, it is permissible to purchase it without simultaneous possession at the time of the contract.